What type of disability is referred to when the same condition recurs within a specified period and is covered without a new waiting period?

What type of disability is referred to when the same condition recurs within a specified period and is covered without a new waiting period?

• A. Continuous Disability
• B. Recurrent Disability
• C. Permanent Disability
• D. Intermittent Disability

Answer: (B)

The term that refers to a situation where the same condition recurs within a specified period and is covered without a new waiting period is known as Recurrent Disability. This concept is important in disability insurance policies, as it provides continuity of coverage for individuals who may experience flare-ups or recurrences of their condition. When a recurrent disability arises, the policy typically stipulates that as long as it occurs within a defined timeframe since the previous disability claim, it will be treated as the same initial claim. This means that the insured does not have to satisfy a new waiting period, allowing for a smoother transition in receiving benefits. This can significantly support individuals managing ongoing health issues, as they are not penalized for relapses of their condition during this period. In contrast, continuous disability often indicates an ongoing state of disability without breaks, while permanent disability implies that the individual is unlikely to recover fully. Intermittent disability suggests an occurrence of disability that happens at irregular intervals, but the definition does not specifically detail the relationship between occurrences like recurrent disability does. Therefore, the correct terminology in insurance for this specific situation is recurrent disability.

The term that refers to a situation where the same condition recurs within a specified period and is covered without a new waiting period is known as Recurrent Disability. This concept is important in disability insurance policies, as it provides continuity of coverage for individuals who may experience flare-ups or recurrences of their condition.

When a recurrent disability arises, the policy typically stipulates that as long as it occurs within a defined timeframe since the previous disability claim, it will be treated as the same initial claim. This means that the insured does not have to satisfy a new waiting period, allowing for a smoother transition in receiving benefits. This can significantly support individuals managing ongoing health issues, as they are not penalized for relapses of their condition during this period.

In contrast, continuous disability often indicates an ongoing state of disability without breaks, while permanent disability implies that the individual is unlikely to recover fully. Intermittent disability suggests an occurrence of disability that happens at irregular intervals, but the definition does not specifically detail the relationship between occurrences like recurrent disability does. Therefore, the correct terminology in insurance for this specific situation is recurrent disability.